Question Details

Christine El…, Other/Just Looking in Bristol, CT

I dont have any positive credit,former relationship had all loans in his name.Unable to rent,no credit history

Asked by Christine Elizabeth Altieri, Bristol, CT Mon Mar 31, 2008

My ex had controlled all positive credit history,ie:car loan,mortgage payments,insurance.We had a banking account toghether as well.The time of our brake up two years ago left me with three bills to my knowlege unpayed for.I am working on resolving the issue,and closely with the bank to recover monies that were in a joint account.Unfortantly,my childern and I have been trying to find a rent, but my score is not high enough.My family is offering to co-sign if needed.I find it difficult to make it pass the application. I have the income to pay for the unit, as well as expenses.I just need the chance to show someone,I can do it.I do plan on owning a home again in the near future.I am working with a broker at this time ,through the Dumont Agancy.I fell in love with a home for rent in the Bristol area.I want to make this a place for my childern and I, and establish good credit.I hope to be able to rebulid my credit by 2009.

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Your situation is unfortunate, but you will come through it. As as property manager, I usually don't rent based on credit score. Some tenants are older and don't have or use credit. Some have section 8 vouchers and usually no credit. I usually frown upon evictions, foreclosures, and collections associated with the living situations. If you are denied a rental property based on your score, the landlord needs to disclose the source of information that caused the denial (Fair Credit Reporting Act). When I deal with people with adverse credit, but steady income, and clean criminal backgrounds, I advise them that they will be required to pay an increased security deposit, or pay the security deposit, plus the first and last month's rent. You can also request a longer lease term, maybe 24 month, to stabilize yourself and rebuild your credit worthiness.
0 votes Thank Flag Link Mon Mar 31, 2008
You are doing the right thing working with a broker. You may not get the home you want right now but someone will rent to you. Fill out the application and be truthful. Add a note explaining the situation. I have made it work many times. Perhaps your agent could make a call prior to your paying app fees.
0 votes Thank Flag Link Mon Mar 31, 2008
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